10 Best Options: How Do You Get Cashback on a Credit Card?

Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

Advertiser Disclosure

Advertiser Disclosuretap to close

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation from many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

So, you’re wondering how you can get your hands on some of that cash credit card issuers are handing out known as cash-back rewards.

First thing’s first:

You Have to Have a Cash-Back Rewards Card

Not all credit cards offer cash back on purchases, and you won’t earn this type of reward without the proper card. Cash-back cards offer a percentage of purchases rebated to the consumer, usually in the form of a check or statement credit.

The amount can vary, but usually you’ll receive at least 1 percent on all purchases and earn bonuses of up to 5 percent on categories like gas and groceries. So basically if you spend $100 at the supermarket and use your 5 percent cash-back card to pay, you’ll see $5 returned to you.

Some cards even offer sign-up bonuses and 0 percent intro APRs in addition to cash back, making these cards even more appealing and a popular choice among today’s consumers.

10 Best Cards With Cash-Back Rewards

Other than having the right card, you don’t actually have to do anything besides use that card.

Our experts reviewed some of the best cash-back cards available today and narrowed down their top 10 picks based on interest rates, fees, perks and the overall benefits to you.

The #1 pick was an obvious choice for its awesome cash bonuses and intro APR offers – all with no annual fee.

Discover it® – 18 Month Balance Transfer Offer

INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 1% unlimited cash back automatically on all other purchases.

Redeem your cash back for any amount, any time. Cash rewards never expire.

100% U.S. based customer service.

Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.

Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.

The Bottom Line

Cash-back cards are a very attractive option for people who don’t necessarily need travel or points rewards and would rather just save a little here and there on everyday purchases.

These types of cards are best for those who don’t carry a balance from month to month, as they tend to have higher interest rates. Otherwise what you’ll be paying in interest charges will outweigh the cash back you receive.

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Ashley is the Finance Vertical Manager at Digital Brands, Inc., where she oversees content published on CardRates.com and BadCredit.org. Ashley works closely with experts and industry leaders in every sector of finance to develop authoritative guides, news, and advice articles with regards to audience interest. Connect with Ashley on Twitter and LinkedIn.

Our Site

Editorial Note: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved, or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however all credit card information is presented without warranty. After you click on an offer you will be directed to the credit card issuer's web site where you can review the terms and conditions for your offer.

Advertiser Disclosure: CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across the site (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own, and are not provided, endorsed, or approved by advertisers.